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RAINBOW (CNS) - A 51-year-old man was arrested on suspicion of attempting to abduct a 61-year-old woman while she was walking in a senior mobile home community in northern San Diego County, authorities said.At 1:10 p.m. Sunday, a 61-year-old woman called 911 and reported that a man, later identified as Francisco Gutierrez, had attempted to kidnap her in the 4700 block of Oak Crest Road, in a senior mobile home park in Rainbow, Sheriff's Lt. Arnold Aldana.The woman reported that Gutierrez had allegedly crept up behind her, grabbed her and attempted to drag her away, Aldana said. She was able to fight him off and run to a nearby neighbor to call 911.Deputies responded to the area and were flagged down by a witness who directed them to Gutierrez, who was sitting in a vehicle he had allegedly broken into, the lieutenant said.Deputies gave Gutierrez multiple commands to surrender, but he refused and a sheriff's K-9 was deployed, Aldana said. Gutierrez was taken into custody and transported to Tri-City Medical Center in Oceanside for treatment of unknown injuries he suffered during the arrest.Upon release from the hospital, Gutierrez was expected to be booked into the Vista Detention Facility on suspicion of kidnapping, assault with intent to commit rape, resisting arrest and attempted auto theft, Aldana said. 1333

RANCHO BERNARDO, Calif. (KGTV) - More schools are equipping themselves with "lock-down lavatories" amid a rise in school threats posted on social media.At Rancho Bernardo High School, graduate Dallin Dunn felt the pain and embarrassment of using a make-shift bathroom during a lock-down in May of 2017. Two posts on Snapchat put the school on lock-down for hours, forcing his group in the library to take desperate measures."With the stress of testing and the lock-down it was just so much that people had to use the restroom and those trash cans had to be used," Dunn said."Twenty years ago you'd never think you would need some way to create an immediate restroom for students to be able to use," Principal David LaMaster said.Dunn was inspired to create a solution, and changed his Eagle Scout Project last minute focused on his peers."We had actually looked at products to purchase but realizing there's a cost to that, we didn't know how exactly we were going to cover that," LaMaster said.Dunn said he had huge support from the start from the community and school, saying the PTSA footed the bill, "I actually got a grant for ,000 and we used about 0 of that."Dunn coordinated an effort, assembly-line style, creating 102 lock-down lavatories so each room was stocked.He pulled out a foam ring, made of pipe insulation and covered with plastic. The ring cut lengthwise to easily attach to the rim of the bucket, providing a seat. "So you just wrap it around the rim and it's able to collapse into the bucket," he said. It also includes, "gloves for you know obviously cleaning up, some extra sleeves so you can reuse this, throw that away and reuse it again, some instructions and some extra bags," toilet paper and hand sanitizer.The solution becoming more common, in 2015 San Diego Unified School District added 6,000 lock-down lavatories to their campuses."I do know that other school districts are having outside vendors donate or they're buying resources and things like that so I feel like we're well ahead of the curve," LaMaster said.The lavatories were places throughout campus midway through the 2018-2019 school year, ready for students in the future, while all hope the need never arises.LaMaster said in his seven years as a principal he's only experience one lock-down scenario. 2311

PRIMM, Nevada. (KGTV) -- A woman who disappeared after reportedly leaving a San Diego Spa was found dead in Primm Valley, Nevada, according to Victor Valley News. According to the San Bernardino Sheriff’s Department, 53-year-old Izetta Burney went missing on November 24.Burney disappeared while driving home to Victorville after visiting a San Diego spa, a friend tells 10News.RELATED: Missing woman never made it home after visit to San Diego spa, deputies sayAccording to the friend, Burney’s phone went straight to voicemail and her credit cards and bank account showed no signs of activity shortly after she disappeared. Foul play isn’t suspected and the cause of death has yet to be released, according to the paper. 732

President-elect Joe Biden is slated to deliver remarks in defense of the Affordable Care Act (ACA) on Tuesday — the same day the Supreme Court is slated to hear arguments in a case that could effectively strike down the law.Biden, who was serving as Vice President in the Obama Administration when the landmark legislation passed in 2010, has promised to build upon and improve the public health care system set up by the ACA.Biden faces an uphill battle in enacting legislation on the Senate, where Democrats must win two runoff races in Georgia in January in order to control the chamber.But because Republicans rushed to confirm Justice Amy Coney Barrett to the high court prior to the election, conservatives now hold a 6-3 advantage — and there's a chance the ACA may not even survive long enough for Biden to make changes to the law.The case, brought by several conservative states and the Trump administration, asserts that one of the law's most controversial items — the individual mandate — is unconstitutional.The individual mandate required all Americans to be covered by insurance or pay a penalty tax. In 2019, Trump signed a law that removed the individual mandate, allowing conservative states like Texas, to set the penalty rate to President-elect Joe Biden’s proposal to forgive ,000 of federal student debt as COVID relief could erase loan balances for 15 million borrowers and reduce balances for millions more, according to federal data.Broad student loan forgiveness could affect 45.3 million borrowers with federal student loan debt who owe a total of .54 trillion to the government. Wiping out ,000 each — as Biden calls for — would result in up to 9 billion canceled.Seth Frotman, executive director of the Student Borrower Protection Center, says removing the student loans “albatross around their financial lives” could mean the difference for consumers who aspire to buy a house, save for retirement or start a business.“Student loan borrowers across the spectrum — old, young, urban, rural, high-balance, low-balance, Black, white — are hurting with their student loans, and that was before COVID even hit,” Frotman says.For now, Biden’s proposal is just an amount, with no details to answer questions about which loans might be canceled, whether forgiven amounts would be taxed and if borrowers would have defaulted loans removed from their credit history. It also faces huge hurdles politically.But here’s how ,000 in forgiveness could affect some categories of borrowers.For 15 million borrowers, a slate wiped cleanMore than a third of federal borrowers could see their balances fall to zero with ,000 in debt cancelation. Among those, 7.9 million owe less than ,000 in student loans and 7.4 million owe between ,000 and ,000, according to federal data.These are also the borrowers most likely to default on their loans. Over half of those who default (52%) have less than ,000 of federal undergraduate debt, according to an analysis of federal data by The Institute for College Access and Success, or TICAS.That’s because those with lower debt amounts often have not completed their schooling, so they don’t reap the benefits of a degree that leads to a better paying job. Among those who default, 49% did not complete their program of study, TICAS found.Default has severe consequences: It can sabotage credit scores and trigger collection efforts that can include seizure of tax refunds and Social Security payments.Many of these borrowers are current on their payments. For them, forgiveness could help, but it might not be much of a boon to the overall economy, says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors.“If you owe ,000 and your payment is 0 — and that’s a lot of money to a lot of people — but you all of a sudden don’t have to pay 0 a month, I don’t see that 0 being put toward something that will stimulate the economy,” Mayotte says.For 19 million borrowers, some breathing roomThe typical student leaves school with around ,000 in debt, according to TICAS, an amount that can grow quickly with interest if students pause payments or go on repayment plans that allow them to make lower payments.Nearly 19 million borrowers owe between ,000 and ,000 in federal student loans, according to federal data. Without detailed execution plans from the Biden team, it’s trickier to say how these borrowers would be affected.For example, cancellation might not reduce the amount they pay each month, but it could draw their end date closer and lower the total amount they’d pay overall, due to interest. Or it might wipe out one loan completely but leave payments on others intact.For 11 million borrowers, a drop in the bucketHigher income households, as a whole, are the ones that hold the most debt.The high debt/high earner correlation makes sense because those who make more money tend to have more advanced education, according to findings from Georgetown University Center for Education and the Workforce. To get those advanced degrees, students rack up debt in the process.More than 8 million people owe the government between ,000 and 0,000 in student loans. An additional 3.2 million borrowers owe more than 0,000 on their federal loans, data show.A borrower repaying 0,000 on the standard federal 10-year plan at 5% interest would pay off the loans 15 months early if ,000 were forgiven.Forgiveness is still a big maybeThere’s also the question of how loan forgiveness could move forward: Will it be through Congress or executive action or not at all?“If anything can be done by executive action, [forgiveness] could happen very quickly,” says Robert Kelchen, associate professor of higher education at Seton Hall University. “I’m just not sure whether forgiving debt would withstand legal scrutiny.”Experts say any executive action could face lawsuits or be subject to judicial review, which would leave the fate of an order for forgiveness in the hands of the Supreme Court.“There are a lot of conservative judges, so I can imagine that many of them could be hostile to the policy,” says Wesley Whistle, senior advisor for policy and strategy, higher education at the public policy think tank New America.Mayotte said she is doubtful borrowers will see straight forgiveness since the reach of this type of pandemic relief wouldn’t be as broad as, say, providing supplemental unemployment or propping up small businesses.Forgiveness won’t happen before payments restartBiden proposed his forgiveness measure as part of COVID-related relief, but experts say there’s an even more pressing student loan concern that will come to a head before Biden starts his term — the end of the payment pause for student loan borrowers, which is set to sunset after Dec. 31.Doug Webber, associate professor of economics at Temple University, says he’s worried about the pitfalls of going “zero to 60” in one day with reinstating loan payments for a population that isn’t ready.“Once you give people a benefit, it’s always harder to take it back,” Webber says.The payment pause, known as a forbearance, has been in effect since March as part of the first coronavirus relief bill. President Donald Trump extended the relief through the end of the year, but neither the outgoing or incoming administration has committed to extending it again.While borrowers await the fate of forgiveness, they should contact their servicer to get enrolled in an income-driven repayment plan if they won’t be able to afford their payments. These plans set payments at a portion of their income and can be as low as zero if they’re unemployed.NerdWallet writer Ryan Lane contributed additional reporting to this story.More From NerdWallet10+ Student Loan Forgiveness Programs That Discharge LoansFederal Loans Are Paused Until 2021 — Should You Pay Anyway?Income-Driven Repayment: Is It Right for You?Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6765. Those states now argue that because the individual mandate is not raising revenue, it makes the law unconstitutional.The Supreme Court is expected to issue a ruling on the case early in early summer.Biden's remarks on Tuesday come a day after he met with his newly-appointed COVID-19 advisory board — a group that will provide guidance to Biden's transition team about the pandemic. During his address on Monday, Biden stressed that the U.S. will face "a very dark winter," but added there are steps everyone can take to slow the spread of the virus."I implore you, wear a mask. A mask is not a political statement," Biden said.Biden's remarks about the Affordable Care Act are scheduled to take place at 2 p.m. ET. 1975

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